Loans and pre settlement funding for students
Information about student loan in the academic year 2013/2014
The rules that govern the rules of applying for a loan:
Act of 17.07.1998 on the student loans and credits ( Journal of Laws No. 108 , item . 685 of 1998) .
Regulation of the Minister of Science and Higher Education of 18.05.2010 laying down detailed rules , procedures , award criteria , repayment and forgiveness of student loans ( Journal of Laws No. 87 , item . 560 of 2010, as amended. Amended . ) .
Decree of the Minister of Science and Higher Education of 30 September 2013 amending Regulation on detailed rules , procedures , award criteria , repayment and forgiveness of student loans ( Journal of Laws of 2013, pos. 1168) .
Ordinance No 64 of the Rector of Cracow University them . Tadeusz Kosciuszko dated 14 November 2013 R.0201-78/13 sign on the Rules determining the top 5% of PhD graduates Cracow University of Technology , who can apply for 20% loan remission or pre settlement funding student
PhD student applying for a loan STUDENT IS REQUIRED TO PROVIDE FOR THE CHOSEN BY YOU BANK (as demonstrated BELOW) " CERTIFICATE OF DOCTORAL STUDIES ODBYWANIU " .
" CERTIFICATE OF DOCTORAL STUDIES ODBYWANIU " PhD student RECEIVES The Dean of the Faculty , WHICH IS EDUCATION , PO previous report DEMANDS ON THIS PRINT .
In September, the Ministry may - through a message placed on their website - define a new list of banks.
Submission of credit
The application for the loan is made in a branch of the bank selected by the doctoral student . Deadline for submission of proposals is November 15, 2013 For more information about warranties provide lending banks .
Recipients of credit
The student loan with an interest rate subsidy from the state budget can apply for students and doctoral students .
Income per person in the family
When calculating the income will be taken into consideration net income . The application shall be accompanied by information on the amount of monthly income per family member PhD student in the calendar year preceding the application , or for the year 2012 . Documentation of income is similar to that in force when applying for a scholarship in PK , which will allow doctoral students seeking to both credit , and of scholarship on the use of the same certificates and statements .
In the academic year 2013/14 the maximum monthly income per family member , a doctoral student eligibility to apply for priority in getting a student loan , you will be given at the end of 2013 in the Official Journal of the Ministry of Science and Higher Education - pre settlement funding.
In the academic year 2012/2013 income per person in the family doctoral qualifying for the credit amounted to 2,300 zł .
The decision to grant a loan
By 15 February 2014 the bank will evaluate loan collateral . Bank refuses to conclude a contract with a PhD student , if the amount of collateral is insufficient . In the case of a negative assessment of the proposal , a graduate student will be able to by 28 February 2014 to apply for a loan in another bank.
Bank refuses to conclude a contract with a PhD student , also in the case where the amount of income per person in the family PhD student will be greater than the amount of income as announced by the Minister.
Loan agreement will be signed on 31 March 2014
Surety student loan
If you can not meet the requirements of banks in terms of loan collateral , a graduate student may apply for bail National Economy Bank and the guarantee of the Agency for Restructuring and Modernisation of Agriculture .
Terms of the guarantees of student loans by the Bank of National Economy :
100% - for doctoral students who have been deprived of parental care completely or as partially or completely deprived of parental care were placed in foster family care and educational family , socialization or resocialization (excluding rehabilitation centers established in the form of hour camps or temporary ) regardless of income ;
100% - for doctoral students whose income per person in the family does not exceed 600 zł ;
70% - in the case of doctoral students , whose income per person in the family does not exceed 1,000 zł About Surety Agency for Restructuring and Modernisation of Agriculture may apply for post-graduate students , residing in the village area . Depending on the amount of income per person in the family , the Agency may endorse up to 80 % or up to 100 % of the used amount of the loan .
Surety Agency in the amount of 100% can get a PhD , whose income per family member is eligible for cash benefits from social assistance .
The period of payment of the loan
A student loan is granted for a period of study for students. The loan is payable for a maximum period of 4 years. The loan is payable over 10 months in the academic year. Monthly installment loan from the academic year 2010/11 is 600 zł . The amount of the tranche is determined by Regulation Higher Education in the said case.
Terms of payment of loan
The condition for obtaining a loan tranches is to present the bank in terms of 31 October and 31 March of each year doctoral valid ID . A certificate of graduation graduate student is required to submit a bank only when applying for a loan or appendices existing credit agreement.
repayment of loan
Repayment of pre settlement funding or loan , together with accrued interest, commenced after the expiry of two years from *:
date of graduation or
the period in which, according to the last presented a certificate of odbywaniu studies borrower should graduate
* Depending on which occurs earlier deadline
Number of installments of repayment of the loan is paid twice the number of loan installments . Interest on the loan is repaid by the borrower shall be charged at half the rediscount rate for the Polish National Bank for a period equal to twice the number of paid loan installments . At the request of the borrower's bank can reduce the amount of the installment repayment of the loan to 20 % of your monthly income or temporarily suspend the repayment of the loan together with interest for a maximum period of 12 months.
Redemption of credit
If the borrower completes the study group top 5% of college graduates may apply to the bank for redemption of 20 % of the loan . The loan can also be redeemed in part or in full due to the difficult situation in life , the permanent loss of the ability to repay obligations or death of the borrower.
Information on student loans can also be obtained in the Department of Student Affairs ( WIL building , floor, room 104) from Monday to Friday . 8.00-15.00 .